INTRODUCTION
COVERAGE
PLAN SUMMARY

Easysaver Insurance Plan

3.0% Guaranteed Crediting Interest Rate for 2023. | The Best Way to Save Money

 

 

 

 

 

 

 

To achieve our goals in life may not come easy. You need to get well prepared with a financial plan that helps to build stable and desirable savings for your future.

Fidelidade Life understands your need and so we have specially designed the “EasySaver Insurance Plan” to help you take the first step towards your goals.

EasySaver is a flexible insurance savings plan that features a guaranteed crediting interest rate declared every year to grow your savings. It can help to support your retirement; build an education fund for your children; supplement your medical expense reserve; or as simple as saving up for going on a long vacation.

YEAR

2019

2020 2021 2022 2023
GUARANTEED CREDITING INTEREST RATE 2.55% 2.55% 1.50% 1.55% 3.00%
TOTAL CREDITING INTEREST RATE 2.70% 2.60% 1.55% 1.65% TBD

It also provides an accidental death benefit you want so you and your loved ones can enjoy peace of mind.

Remarks:

1. The crediting interest rates shown are calculated based on weighted average of actual crediting interest rates of the policies in each calendar year. For the actual crediting interest rates applicable to your policy, please refer to your annual statement.

2. The crediting interest rates shown are calculated before applying any relevant charges to your policy.

3. The future crediting interest rates may be less or more favorable than the historical crediting interest rates.

This product is underwritten by Fidelidade Macau Life — Insurance Company Limited. The above product information is for reference only.

Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.

 

 

 

 

 

 

 

WORRY-FREE WITH SAVINGS PROTECTED
Your savings are 100% guaranteed by Fidelidade Life. There is no absolute foolproof way to avoid market fluctuations but EasySaver is designed to protect your savings so you do not need to worry about any adverse financial impact due to market fluctuations.

EASY APPLICATION
Anyone aged 18 or above may apply for EasySaver. Application is easy. No medical examination is required.

ACCUMULATE YOUR WEALTH WITH A GUARANTEED CREDITING INTEREST 
EasySaver features a guaranteed crediting interest rate declared at the beginning of each calendar year. This guaranteed return aims at beating other short term savings instruments. This guaranteed benefit allows you to continuously accumulate your wealth with stable growth.

BOOST YOUR SAVINGS WITH AN ADDITIONAL NON-GUARANTEED CREDITING INTEREST
In addition to the guaranteed interest, EasySaver features a non-guaranteed crediting interest rate, that Fidelidade Life will declare after considering the product's investment return, claims and surrender experiences, etc. This helps to boost your savings and can achieve your goals at ease.

EXTRA PROTECTION WITH PEACE OF MIND
EasySaver provides accidental death benefit1 . The benefit amount equals to 5% of the Account Value2 subject to a maximum of MOP/HKD100,000.

FLEXIBLE CHOICE OF PREMIUM PAYMENT OPTIONS
You can choose to build up your savings by paying regular monthly premiums or by a single premium. Depending on your individual lifestyle and financial situation, you can choose to boost your savings by paying a top-up premium.

FLEXIBLE CHOICE OF PARTIAL SURRENDERS IN TIMES OF NEED
It takes time and probably a persistent habit of making savings to build up wealth. But you may want to draw on your savings in times of need. EasySaver allows flexible choice for you to partial or total surrender depending on your needs. Partial or total surrender is subject to a minimum surrender amount and charge.

Minimum Surrender Amount
Single Surrender MOP/HKD 5,000
Monthly Surrender MOP/HKD 2,500

 

Before the 1st policy anniversary date

5% of surrender amount

On or after the 1st policy anniversary date but before the 5th policy anniversary date 1% of surrender amount
On or before the 5th policy anniversary date but before policy mature date No surrender charge

Notes:

  1. Age limit for the accidental death benefit: 18-69 years of age. Benefit subject to Policy exclusions.
  2. Account Value shall mean the sum of all premiums paid, plus all interest, less all partial surrender benefit amount.

This product is underwritten by Fidelidade Macau Life — Insurance Company Limited. The above product information is for reference only.

Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.

 

 

 

 

 

 

 

PLAN CURRENCY MOP/HKD
MINIMUM ENTRY AGE 18 YEARS OLD
PREMIUM PAYMENT MODE INITIAL MONTHLY TOP-UP
MINIMUM PREMIUM AMOUNT $5,000 $500 $2,500

This product is underwritten by Fidelidade Macau Life — Insurance Company Limited. The above product information is for reference only.

Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.